Public Liability For Small Business

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Public Liability

... service team is on hand and on a mission to make you smile! Frequently Asked Questions on Public Liability Insurance Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for ...

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How much does Public Liability Insurance Cost?

... the insurance provider you choose. We have put together a snapshot of how much Public Liability insurance can cost for a small business, by analysing data from policies sold by BizCover during the 2018/19 financial year ...

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Public Liability Insurance In Rockhampton

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance In Port Macquarie

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance In Perth

... P ublic L iability insurance cost for Perth businesses? On average, small businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types ...

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Public Liability Insurance In Mandurah

... P ublic L iability insurance cost for Mandurah businesses? On average, small businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types ...

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Public Liability Insurance In Hobart

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance In Darwin

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance In Brisbane

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance Explained

... or damaging something during the course of their operations. Chances are like many other small businesses, if you were faced with a public liability claim , the financial impact of pay ing the cla im and associated legal ...

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What does Public Liability Insurance cover?

... clients, suppliers or members of the public. As a small business owner, we understand that you like ... pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work ...

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How much Public Liability insurance do I need?

... cover you should have, but the amount of Public Liability cover you cho o se is ultimately up to you . Many business contracts will include a minimum amount of Public Liability insurance to be in place - stipulating the ...

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What is Product Liability Insurance?

... * protects your businesses against claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the ...

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The Risks of Growing Your Small Business

... thing. Seek out solid and trustworthy referrals from other business owners and be sure to do your own reference checks ... You Do? Insure your legal liability! Public Liability (or 'PL') covers claims against personal injury ...

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Public Liability Insurance In Brisbane

... of covers to suit your needs Compare quotes from our trusted insurance partners: Small Business (Public Liability) Insurance in Brisbane If you're a small business owner in Brisbane or Queensland, and you are looking for ...

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Public Liability Insurance QLD

... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry about. From paying your ...

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Public Liability Insurance NSW

... or annually Compare quotes from our trusted insurance partners: What you need to know about Public Liability insurance* in NSW As a small business owner in New South Wales you already have a lot on your plate. There's ...

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Public Liability Insurance Scenario

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Help Protect your small business' reputation

... , and it can take just one small mistake to destroy your business in minutes. As Warren Buffet famously said ... Liability insurance can also offer a Public Relations component which will assist with protecting your business' ...

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Small Business Index July 2015

... the biggest drop in prices since the index started of 38% lower than the base value only 3 years ago. Public Liability /Business Packs have not enjoyed as much of a drop in prices, falling only 20 points since FY 2012/13 ...

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Small Business Insurance Index

... their Public Liability insurance. SME Professionals have been seeing increases in their Public Liability insurance ... “SMEs face significant pressure when it comes to business related costs, and in a time where most other ...

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Why do some small businesses fail?

... a small factory, there is a variety of different types of cover that can help safeguard your hard-earned business. Some of the typical types of business insurance option you may like to consider include: Public Liability ...

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A small business owners guide to staying motivated

... in your mind. Worrying about your business is a common issue for many small business owners and can fast become a ... basics like Public Liability and Professional Indemnity to Business Insurance , Cyber Liability and more.* ...

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The Art of Being a Creative Small Business

... a small business : ... business insurance as a creative professional include i f you are an artist out and about, protecting your portable equipment and tools, for others it may be a requirement to hold Public Liability ...

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Small Business Insurance Price Index Q3

... last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils and ...

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NSW small business stamp duty exemption

... apply to? Professional Indemnity insurance Product and Public Liability insurance How do I get the exemption? The NSW Government requires eligible small businesses to complete an exemption form declaring that they ...

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Public Liability Insurance for Cabinet Makers

... not be responsible for. Your Public Liability insurance covers your reasonable legal costs, even if you are not found negligent. At BizCover we care about helping Australia's small businesses get protection. We deliver ...

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Do I need Public Liability insurance?

... and protect your back pocket with Public Liability Insurance for your small business. Why Do I Need Public Liability insurance? Public Liability insurance may be essential for small businesses depending on the occupation ...

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Public Liability Insurance VIC PPC

... 's included & what's not? Get the right cover FAQ's Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered ...

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Public Liability Insurance NSW

... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on NSW public liability insurance* As a small business owner in New South Wales you already have a lot to worry about. From paying ...

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Public Liability Insurance In Adelaide

... activities. It's clear that the legal costs of a public liability claim could pose a financial burden to a small business. Public liability Insurance gives you peace of mind by picking up the reasonable legal and ...

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Public Liability Insurance QLD

... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on QLD public liability insurance* As a small business owner in Queensland you already have a lot to worry about. From paying your ...

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Public Liability Insurance WA

... or annually Compare quotes from our trusted insurance partners: Here's the lowdown on WA public liability insurance* As a small business owner in Western Australia you already have a lot on your plate. From paying your ...

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Legal Requirement for Public Liability Insurance

... is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized businesses do take out this ...

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Cyber Security For Small Business

... Data Breaches Scheme? What to do in the event of a cyber attack or data breach What is Cyber Liability Insurance and why do small businesses need it? Did you Know? The average cost of a cyber attack for an Australian ...

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8 Small Business Start-up Ideas for 2021

... resources available to guide you onto the right track of your start-up adventure. Top 8 small business start-up business ideas 1. Virtual Assistant The need for virtual assistants has boomed in recent times, especially ...

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The State of Small Business

... decided to go off the field and take a look at some of the issues our New South Wales and Queenslander small business es are currently fac ing . F ind out who's kicking goals when it comes to levels of confidence , the ...

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A $2,000 Wish for Your Small Business

... winner will be determined by public voting via the BizCover Facebook page. You can enter as many times as you desire, providing your meet the entry criteria outlined below. You must be a small business - this means 20 ...

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Small Business Resolutions for 2017

... new year to grow our new venture” “Start putting money in to my business and make my products look more professional.” 3. Cost cutting “My small business resolution; set new goals and trim the fat.” “My resolution is to ...

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Is your Small Business Summer Proof?

... to enjoy, including plenty of public holidays, long days and great weather. But along with these great perks, summer comes with its own unique set of challenges and risks every small business should be aware of. Complete ...

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5 Money Saving tips for Small Business

... to ensure your website stays up to date and relevant. 5. Shop Around for your Financial Services As a small business, you need to ensure that your finances are in good order, and that means having the right financial ...

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5 Legal Essentials for your Small Business

... in the community and growing small businesses. You may be just starting out as a small business owner , or are ... ACL); Dispute resolution procedures; and Limitations of liability and disclaimers. If you provide services to ...

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Small Business Champions

... Champions Awards. We are passionate about small business and our mission is to drive down the cost of business insurance for all Australian small businesses.BizCover's Small Business Buddy program is available to all ...

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Preparing your small business for a Tax Audit

... tax office are going to want to see supporting documents to substantiate everything that you have put in your returns. Small businesses are required to keep all their records for a period of up to 5 years, so if you don ...

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Business Insurance Melbourne

... fits all when it comes to business insurance for Victorian small businesses, however these are some of ... even if this is at your home-based business. Public Liability insurance can provide peace of mind and protection ...

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SBAA

... usual hassles. Protect Yourself with BizCover Click, compare and cover your business now*. Be sure to consider: Public Liability Cover - Protects you and your business in the event a customer, supplier or a member of the ...

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Small Business Bravery 2020 Report

... view the loss of job keeper as a challenge. Other smaller issues that SMEs see as restrictions to their performance include more competition, their inability to change their business and adapt as well as a lack of a good ...

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Reviews related to Public Liability For Small Business

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • Great service easy to use and quick for small business

    Andrew W
    Business Administrative Service

  • Very easy to navigate. Great for small business owners looking for clear concise quick service.

    Claire D
    Recruitment Consulting / Employment Agency Services

Public Liability insurance

Public Liability insurance is one of the most common types of business insurances that a variety of different small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business or its employees. Claims from a third-party can be for personal injury or damage caused to their property caused by your business activities.

Here’s the lowdown on Public Liability insurance*

As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on time to generating new work opportunities – the list is endless! But have you taken the time to think about what an accident involving a third party could mean for your business?

As a small business owner, you have a legal responsibility to take reasonable steps for the safety of your customers, suppliers, community and their property. Public Liability Insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

Public Liability Insurance also provides assistance with the legal costs associated with managing claims that are covered by the policy.

Public Liability explained further…

Product Liability explained further…

What kind of businesses need Public Liability insurance?

In a nutshell, if your business is interacting with any third parties like customers, suppliers and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your business could be extremely costly and potentially enough to send you out of business.

An example of some of the typical types of businesses that may take a Public Liability insurance policy include:

What is typically included?**

Compensation for:

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
**Many public liability policies also provide cover for product liability.

What is typically not covered?*

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Gradual pollution
  • Punitive damages- where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law

Get the right cover

 

Public Liability Fact Sheet

Your Cover Options 

With BizCover you can choose from 3 limits of liability (levels of cover): $5million, $10 million or $20 million.

Policies are tailored to the unique needs of individual businesses. One business may require a different amount of cover compared to another.

When deciding on how much cover you should have a think about factors like:

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade licence require a minimum amount of public liability cover?
  • What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

Why choose BizCover for your Public Liability insurance?

Built for small business

We know insurance and what makes small businesses tick

Clear and competitive pricing

You can compare and choose from a range of highly competitive prices right there on your screen.  Seriously.

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

Frequently Asked Questions on Public Liability Insurance

Small business owners on average in the 2018/19 Financial Year paid around $63.53 per month^ for Public Liability insurance through BizCover. Public Liability Insurance is one of the most common types of insurance for businesses.

When it comes to the pricing of Public Liability insurance, there isn’t a one price fits all. There are a variety of industries and occupations, each with different risk factors that can impact the pricing greatly. Some of these key factors include:

  • The type and nature of your business
  • Your business turnover and size
  • The amount of insurance cover your business needs

Additional factors that determine the cost of your Public Liability insurance policy include:

  • The location of your business
  • What is included and excluded in your policy
  • The insurance provider you choose

The most accurate way to find out the cost for your business is to simply get an instant online quote.

 

*We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it’s important to note that the data included within this article was sourced from BizCover’s Australia wide customer data for all “pay by the month” public liability policies purchased through BizCover during 2018/19 Financial Year and is intended as a guide only.  It may not reflect pricing for your particular business as individual underwriting criteria will apply.  Get a hassle-free quote for your business here.

Public Liability insurance is designed to provide protection* for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.

While it is not a legal requirement in Australia for most businesses, there are some situations where it may be mandatory for you to have you an active Public Liability policy before you can  operate. For example, it may be a contractual requirement to have before you are allowed “on site”.

No matter how much care you may take, if your business interacts with clients, suppliers or members of the public, there is always the potential for a claim to occur.

You may need to consider Public Liability cover if any of the following apply to your business:

  • You have customers, suppliers or members of the public who visit your business premises, e.g. diners who visit your cafe, or clients who visit your office, whether in a commercial building or home-based office
  • You manufacture and/or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items
  • Working at your client’s site, e.g. a tradesperson carrying out repairs or work in other people’s homes
  • If your business hosts or participates in public events, like a stand at a tradeshow attended by members of the general public

One of the first things to consider when calculating which level of Public Liability insurance your business may need is to think about the risks your business faces and any industry or contractual requirements involved.

While it would be nice to be told the exact amount of cover you should have, the decision is ultimately up to you.

If you work with contracts, these commonly stipulate the minimum amount of Public Liability cover your business must hold to comply with the contract. Professional bodies and industry associations may also require members to maintain a minimum amount of Public Liability insurance to become a member or to meet licensing requirements.

Take the time to consider the amount of work that you perform and the appropriate amount of financial protection you would need in the event a Public Liability claim is made against you.

With BizCover there are three levels of cover (limits of liability) available to select: $5 million, $10 million or $20 million.

The appeal of having the freedom to be your own boss is why so many Australians operate as a sole trader, but it is not one that comes without its own risks. Unlike working for a company, the reality is when things go wrong and a claim is made, you could be held responsible and it’s your back pocket that could be left financially destroyed.

An unplanned event could not only put your personal finances in havoc, but you could end up shutting up shop for good. Fortunately, with the right insurance in place, not only will you have a solid financial safeguard in place, but protection for your hard-earned reputation too.

Public Liability insurance is a popular type of insurance amongst sole traders. As a small business owner you have a legal responsibility to take the right steps to create a safe environment for third-parties when they interact with your business.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public become injured or sustain property damage as a result of your negligent business activities.

The short answer? No. Each type of insurance provides specific cover for very different kinds of business risks.

Business insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  It also offers the option of selecting public liability cover but that is not automatically included.

Public Liability* insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business .

If your business manufacturers or sells products you may also need to consider Product Liability insurance. Product Liability insurance* protects your businesses against claims by third parties relating to property damage or personal injury caused by your products.  It typically forms part of a Public Liability policy.

 

Public Liability insurance can be purchased as a stand alone product or as part of a Business insurance package.

One of the first steps you need to take in lodging a claim  (or to report a circumstance which may lead to a claim) is to complete a claim form – please click here to download.

To assist with the processing of your claim and to avoid delays, please attach all the supporting documents you have, which may include original invoices, receipts, manuals, pictures, reports and replacement quotes.

Once you have completed the form, email it to: [email protected] and we’ll manage the process directly with the insurer.

Public Liability and Professional Indemnity insurance both offer different types of cover, for different kinds of risks your business may be exposed to.

Public Liability insurance is designed to provide coverage for legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity*.

This differs from the type of coverage Professional Indemnity insurance* provides. Professional Indemnity insurance focuses on protecting you against losses claimed by a third party due to alleged or actual negligence or errors in your professional services or advice.  Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

If your business requires having clients visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.